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LD&B Insurance & Financial Services (LD&B) is an independent and employee owned firm that provides a full range of insurance and financial services to individuals and businesses. We are proud to serve clients in the central Shenandoah Valley and throughout the United States.

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Recent News & Updates

What Does Commercial Umbrella Insurance Cover?

Your business is protected by your business insurance – but is it enough? A commercial umbrella insurance policy provides coverage when a claim exceeds the limits of your other policies. This type of policy is typically quite affordable and offers a critical level of protection against losses from substantial claims or lawsuits.  Do You Need Commercial Umbrella Insurance? A liability claim filed against your business...

What Is An Umbrella Policy?

I’m a safe driver. I don’t do risky things. Someone I know would never sue me. When it comes to truly terrible events, many people have the “it can’t happen to me” mentality. However, by simply driving a car, owning a home, or entertaining friends, the possibility exists that a tragic accident could occur… and potentially, a costly lawsuit. Many people mistakenly believe that only...

Do I Need Boat Insurance for a Non-Motorized Boat?

Depending on where you live, you may not be legally required by the state to carry boat insurance for a non-motorized boat, but that is not the only reason to insure your boat. If you have invested in a sailboat, kayak, canoe, or RIB (rigid inflatable boat), boat insurance will protect your investment if the watercraft is damaged during an accident. It should also protect...

Introducing the YourTurn Program

Our roads are full of distractions that lead to unsafe driving behaviors, especially for young drivers. Every year, distracted driving causes thousands of deaths in the U.S. That’s where our driving safety app, YourTurn®, comes in.1 By measuring certain criteria such as speeding, hard braking, and phone usage, the YourTurn program helps to make drivers of all ages more aware of their driving behaviors and...